Has your debt been piling up lately? Are you burnt out from trying different financial tips and advice but still have unsolved issues?
Perhaps you’re here because you’ve already tried every thing.
In the majority of cases, the best option is to speak with experts who can help to resolve this issue.
CuraDebt is one of the most frequently contacted companies. Many customers have asked if they can help you or put you into more debt.
According to their clients, they can help you manage 80% of your debt so that you can take few things off of your plate.
But for some people, these claims are just too good to be true.
You might be looking for anything that can assist you in paying off your debt. In this situation, CuraDebt will mostly be suggested by people. We’ll be taking an in-depth look at the way CuraDebt works and what problems it can help you solve.
Furthermore, before we conclude our discussion, we’ll take a look at its advantages and drawbacks.
Before starting the review, go to this video for a more relaxing way to watch it.
Otherwise, let’s begin.
Before you continue, you may want to watch this video by CuraDebt Debt Relief Reviews on YouTube that gives a quick overview. After, you’ll want to read the rest of the article for a more comprehensive review of CuraDebt.
About the Company Seven Valleys Tax Relief
CuraDebt is a debt relief company from Hollywood, Florida. It was founded in 2000 and has since become an active member of the American Fair Credit Council, the US Chamber of Commerce, and has been accredited with the International Association of Professional Debt Arbitrators.
Although it is accredited, certain states have restricted their services.
What CuraDebt do?
Helping you pay off your debt is the most popular feature. But they offer other services that can help you be more financially stable.
First of all, it begins with requesting a free savings estimate online. It is a completely private service, and they won’t conduct a credit inquiry. With this savings estimate you’ll be able to learn more about the other options in your journey to debt-free.
This estimate of savings, as mentioned earlier, provides you with the opportunity to consider your choices, regardless of whether you’re going to keep using CuraDebt.
CuraDebt will assign you a financial advisor and a team of support to assist you with the process of credit arbitration should you choose to sign up. Certain financial advisors can assist you in your debt-free journey.
Following your debt settlement plan, CuraDebt can be the one to answer all of your creditor’s calls. They will also be the ones who negotiate the terms of your repayment depending on the condition of your finances. Based on what works best your situation, the payment can either be a lump sum settlement or the option of a payment plan.
Moreover they will also be working with creditors to ensure that you get better rates when you transfer money into your savings account. This, in turn, will be processed to pay off creditors. Their programs can assist you to settle the debt within 48 months.
After you’ve signed up with them, they will provide you with access to your account information 24 hours a day. All you need to do is log in to CuraDebts Client Portal to track your progress.
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CuraDebt’s Requirements
Before you are able to avail the program, you’ll have to meet their eligibility requirements first. In order to be considered eligible for the program, you’ll have to meet the following criteria:
- At least 21 years old
- Verifiable income
- Minimum debt must be $5,000
What can they assist you with?
Here are the various ways CuraDebt can help you.
Debt Relief
The name of the company suggests that CuraDebt can help you deal with your debt. They can negotiate settlements on your behalf for most types of debt. These include medical bills, personal loans credit cards and also loans. You can also approach them to help settle any remaining balance of business debt, collections, or repossessions.
They may also assist in negotiating for back taxes as well as IRS debt. But, you won’t receive assistance for the majority cases, loans from the government as well as collateral and utility bills. They also don’t cover most student loans.
On the contrary, they’ll assist you in navigating laws such as that of Telecommunications Consumer Protection Act (TCPA) and the Fair Debt Collection Practice Act (FDCPA). They also help you find the violations of creditors in order to get cash settlements, should it be possible. Some violations can also result in having your debts also dismissed.
CuraDebt can also help you pay off debts with less than the amount you own. Additionally, you can inquire about your debt during their no-cost consult with their debt counsellor.
The best part about their program is that you only have to pay for the charges when your debt is paid off. All you have to sign up to some of their programs and you’ll be able to pay off all your debts.
Tax Management and Relief
CuraDebt will also handle taxes. Once they’ve gathered all your financial documentation, they will also collect all the documents you’ll require for tax returns.
With this program, you will be able to resolve the various types of tax problems like garnishments on wages, tax penalties, personal and taxation for business, back taxes and trust fund penalties and tax liens.
There aren’t any hidden costs neither are there hidden fees. They only offer flat-fee prices, which depends on the amount that you’ll must settle.
They have different solutions for the settlement of taxes. Here are 6 options:
- Installment agreements
- Offer in Compromise
- Collection statute expiration date
- Tax lien subordination
- Penalty abatement
- Currently non-collectible
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What kind of debt are they able to help with?
Although debt settlement is their specialization but they aren’t able to offer all kinds of debt settlement. CuraDebt concentrates on unsecured debt. They won’t be able to assist you if your credit or loan is tied to a physical item.
If you do have the following types of debt, they will make arrangements for settlements.
Tax Debt
With CuraDebt, you should be able pay off your past-due tax debts without any problems. Furthermore, this service is offered to all 50 states in the event that you have a debt in arrears to IRS. They have federal tax experts who can assist you in resolving these kinds of problems.
Medical Debt
CuraDebt can also help resolve the medical bills. In some cases, you may even pay them for less than what you are owed.
Private Student Loan
CuraDebt does not offer the federal government’s student loan. However, they can assist private students negotiate the student loans they have to pay.
Personal Loan
Personal loans and payday loans also qualify for the debt settlement program. It is also possible to avail the program the program if you have other unsecure credit lines you obtained from a different financial institution or bank.
Credit Card Debt
If you’re in debt using store credit cards or traditional credit cards as well as private label credit card CuraDebt will assist you in paying it off.
What is the cost?
The most appealing aspect of CuraDebt is the way the company has priced its services. They do not charge an upfront cost. The only time you pay is when you settle each of your outstanding debts.
They also don’t charge high costs either. On average, you’ll be required to pay as much as 20 percent of the debt that you settled through them.
In general, this type of industry charges between 15 and 25 percentage.
Additionally, customers can anticipate to pay off their debts in between 2 and 4 years. This varies in relation to the amount you can save up per month.
Additionally, they claim that you can save as much as 30% if you include their charges into your calculation.
But this claim will also differ based on the situation. Some customers even claimed to save 50% to up to 80%.
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The benefits of using CuraDebt
Once you’ve got an understanding of the benefits CuraDebt offers, Let’s take a look at the benefits that come with using CuraDebt.
The first is that CuraDebt is only charged once you’ve paid off your debt. Additionally they charge only an amount of 20%, while the majority of companies charge 25%.
If you’re finished with the debt settlement program you can also sign up for their credit repair program.
It’s a fantastic option to rebuild your credit without going back into debt. However, the program runs differently for each person, depending on your situation.
Lastly, CureDebt looks into your debt so that they can assist with settlements and negotiations. So, the amount you owe won’t rise over time. They’ll also look into any violations of creditor with the help of their in-house experts.
The drawbacks of using CuraDebt
Let’s also consider some of the disadvantages of CuraDebt.
Debt settlement and debt relief usually require that you stop making payments using the credit card you use. So if you’re trying to improve your rating on your credit, this might set you back while you’re finishing your credit card debt.
CureDebt doesn’t even have a mobile app available. Although they have a client website however, it appears aged and simple. It’s not particularly user-friendly, and can be difficult to navigate.
Moreover, they are still not accredited with their Better Business Bureau although they were awarded an A+ rating.
The Final Verdict
CuraDebt is a useful program that will allow you to pay off your debts without spending more on those types of services. Additionally their 20% service cost is lower than many firms that charge an additional 25% charge. There aren’t any upfront fees, and you will only be required to pay once the debt is paid off.
Although they’ll give you an account so that you can track your progress but their website isn’t user-friendly. CuraDebt does not have an app that will make it easier to track your progression.
They do have a competent support staff and can be reached them not just via email but also by phone or submitting an e-ticket. Seven Valleys Tax Relief
If debt is a big problem right now, we recommend CuraDebt’s service. Be sure to be eligible and that the services that they provide are offered in your area.
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FAQ Seven Valleys Tax Relief
What is the time frame to finish the program?
The program typically takes between 24 and 48 months depending on the amount of your debt as well as your agreement on the settlement.
Can CuraDebt assist with state tax problems?
Yes, CuraDebt offers a program for tax relief that can assist you with issues like delinquent tax and garnishments on wages.
What’s the first thing I have to do once I’m in the program?
You’ll need to constantly communicate with the team and pay the required payments to lower your debt over time.
